Exhibit 99.13
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 2026060318 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Per CDs there were no mortgages paid off. Per MERS report no open XXX on XXX. Per HOI XXX Pages there were no mortgagee clauses - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1. Mers report from DataVerify (see page XXX) confirm no mortgages secured against these properties and there are no mortgages reported on credit for these properties. 2. Previous HOI for XXX and XXX are attached and do not reflect a mortgagee. Mers report from DataVerify (see page XXX) confirm no mortgages secured against these properties and there are no mortgages reported on credit for these properties. We have sufficient documentation in the file to confirm no mortgages on these properties in the last XXX months - Seller-XXX Counter-Received CDs for each property showing as free and clear. XXX XXX reflects mortgage interest deductions for each XXX. Confirm free and clear for XXX months. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Need XXX month mortgage history for both XXX. If owned free & clear, provide evidence, tax bills and HOI for both properties to calculate correct rental income/loss (not verified). - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. 1. Mers report from DataVerify (see page XXX) confirm no mortgages secured against these properties and there are no mortgages reported on credit for these properties. 2. Previous HOI for XXX are attached and do not reflect a mortgagee. Mers report from DataVerify (see page XXX) confirm no mortgages secured against these properties and there are no mortgages reported on credit for these properties. We have sufficient documentation in the file to confirm no mortgages on these properties in the last XXX months - Seller-XXX |
Resolved-Per CDs there were no mortgages paid off. Per XXX report no open mortgages on properties. Per HOI XXX Pages there were no mortgagee clauses - Due Diligence Vendor-XXX |
Credit history exceeds minimum required - Credit History = XXX Months Minimum Credit History = XXX Months Long term residence - Borrower has owned subject since XXX - refinanced subject with no liens. |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060318 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan amount exceeds maximum allowed per program guidelines | Waived-Client Waiver applied to Non-Material Finding . Exception Approval in file – XXX 1. Loan Amount < XXX – Exception email from Pricing in file for Loan Amount XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. This is a pricing exception not an investor exception that requires compensating factors. The email in the file from XXX is acceptable on its own. See attached - Seller-XXX Counter-Guidelines require minimum loan amount of $XXX. Provide completed exception reflecting compensating factors. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. An exception for pricing was made. This is not a credit authority exception based on guidelines not being met. No form is required. - Seller-XXX Open-Guidelines require a minimum loan amount of XXX. Subject loan closed with a loan amount of XXX. Emails in file indicate an exception was approved. However, the exception form with compensating factors is missing from the loan file. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. This is a pricing exception not an investor exception that requires compensating factors. The email in the file from pricing manager is acceptable on its own. See attached - Seller-XXX Ready for Review-Document Uploaded. An exception for pricing was made. This is not a credit authority exception based on guidelines not being met. No form is required. - Seller-XXX |
Waived-Client Waiver applied to Non-Material Finding . Exception Approval in file – Stips 1. Loan Amount < $XXX – Exception email from Pricing in file for Loan Amount $XXX. - Due Diligence Vendor-XXX |
Credit history exceeds minimum required - Credit History = XXX Months Minimum Credit History = XXX Months Long term residence - Borrower has owned subject since XXX - refinanced subject with no liens. |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||
| 2026060318 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income XXX Months Income Verified is Missing | Resolved-Received final CD - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX and XXX are loans that closed the same day as this transaction. Prior to the cash out refinance with XXX the properties were owned free and clear. XXX is XXX and XXX is XXX. Final CD’s and no HOA ltrs attached. Also attached is the income worksheet as well. - Buyer-XXX Open-Income XXX Months Income Verified is Missing Missing mortgage statement for PITI for XXX (not on credit report) Or if free and clear, provide taxes and HOI. - Due Diligence Vendor-XXX |
Resolved-Received final CD - Due Diligence Vendor-XXX |
Credit history exceeds minimum required - Credit History = XXX Months Minimum Credit History = XXX Months Long term residence - Borrower has owned subject since XXX - refinanced subject with no liens. |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060318 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income XXX Months Income Verified is Missing | Resolved-Received final CD confirming. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX and XXX are loans that closed the same day as this transaction. Prior to the cash out refinance with XXX the properties were owned free and clear. XXX is XXX and XXX is XXX. Final CD’s and no HOA ltrs attached. Also attached is the income worksheet as well. - Seller-XXX Open-Income XXX Months Income Verified is Missing Provide new PITI payment letter for XXX that closed on XXX as it was recently refinanced and the payment letter is required. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. XXX are loans that closed the same day as this transaction. Prior to the cash out refinance with XXX the properties were owned free and clear. XXX loan# is XXX and XXX is XXX. Final CD’s and no HOA ltrs attached. Also attached is the income worksheet as well. - Seller-XXX |
Resolved-Received final CD confirming. - Due Diligence Vendor-XXX |
Credit history exceeds minimum required - Credit History = XXX Months Minimum Credit History = XXX Months Long term residence - Borrower has owned subject since XXX - refinanced subject with no liens. |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060318 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Transcripts Missing | Resolved-Received XXX and proof XXX tax liability paid in full. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. See attached XXX & XXX. Also attached XXX Stmt showing balance owed to XXX paid - Seller-XXX Open-Borrower 1 XXX Missing The XXX and XXX are missing from the file. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. See attached XXX & XXX Transcripts. Also attached XXX Bank Stmt showing balance owed to XXX paid - Seller-XXX |
Resolved-Received XXX transcripts and proof XXX tax liability paid in full. - Due Diligence Vendor-XXX |
Credit history exceeds minimum required - Credit History = XXX Months Minimum Credit History = XXX Months Long term residence - Borrower has owned subject since XXX - refinanced subject with no liens. |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060240 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | XXX Document is Missing | Resolved-Upon further review, XXX was located in the loan file. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX approved project - no questionnaire needed - Seller-XXX Open-Subject Property is part of an HOA but the XXX Document is Missing. Missing from loan file - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. XXX approved project - no questionnaire needed - Seller-XXX |
Resolved-Upon further review, XXX was located in the loan file. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060240 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Mortgage with legal - Buyer-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description referenced as attached to Security Instrument is not included within the document or riders. - Due Diligence Vendor-XXX |
Resolved-Received Mortgage w/legal. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060240 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Title | XXX not Provided | Resolved-XXX has been provided - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Deed into prior owner to cover XXX month XXX - Buyer-XXX Open-XXX provided. Missing required XXX Month XXX - Due Diligence Vendor-XXX |
Resolved-Satisfactory XXX has been provided - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060240 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Blanket waiver for XXX for XXX - Due Diligence Vendor-XXX Open-Appraisal completed No XXX. All appraisals must be ordered through an XXX. Appraisals that are not ordered through an XXX but are XXX compliant can be accepted with prior XXX. - Due Diligence Vendor-XXX |
Waived-Blanket waiver for Prosperity XXX for XXX - Due Diligence Vendor XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | ||||
| 2026060366 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026060321 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026060339 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Transcripts Missing | Resolved-Received XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Transcripts - Buyer-XXX Open-Borrower 1 XXX Transcripts Missing , additional findings may apply. - Due Diligence Vendor-XXX |
Resolved-Received XXX Transcripts. - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed XXX+ Years – Minimum = XXX Years Long term residence - Long Term Residence = XXX+ years Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060339 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received XXX. - Due Diligence Vendor-XXX Open-Borrower XXX Tax Returns Not Signed , additional findings may apply. - Due Diligence Vendor-XXX |
Resolved-Received XXX Transcripts. - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed XXX+ Years – Minimum = XXX Years Long term residence - Long Term Residence = XXX+ years Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||||
| 2026060339 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received Borrower 1 XXX Credit Report - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX report from XXX - Buyer-XXX Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). - Due Diligence Vendor-XXX |
Resolved-Received Borrower 1 XXX Credit Report - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed XXX+ Years – Minimum = XXX Years Long term residence - Long Term Residence = XXX+ years Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060244 | XXX | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Originator waiver applied to non-material finding with compensating factors. Exception to allow XXX short terms rent without a look back. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Exception Approved - Seller-XXX Counter-Per the appraiser, The subject has since undergone XXX remediation and renovation. Improvements include: XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX, and XXX. The XXX and XXX unfinish, though not in need of immediate repair. per the guidelines a XXX is not required if subject is a XXX. Per email from XXX, the renovation would not be considered new at the XXX unless there is evidence the property was taken to the XXX and XXX. No evidence the property was taken down to the XXX and XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please see response from XXX. Subject was a major XXX which allows us to treat as XXX - Seller-XXX Counter-Received rebuttal. Subject is not XXX. Please provide XXX. Subject address not confirmed on document provided. Missing screen shot of the online listing must to show the property is actively marketed as a short term rental. XXX% LTV reduction is required when using short term rental income to qualify. (Per XXX email - property does not fall under scenario where a XXX month lookback is not required). Need to confirm with appraiser that short term rental income would not be higher than long term rental income (since he addresses comp one used as short term only). - Due Diligence Vendor-XXX Ready for Review-This is not required since it is XXX within XXX days of completion. - Seller-XXX Counter-Received XXX. Subject address not confirmed on document provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please see attached XXX lookout. DSCR still above XXX - Seller-XXX Open-Need a XXX month lookback from acceptable source XXX or XXX for subject. If this can not be provided - either XXX monthly statements or an annual statement provided by the XXX is required to document receipt of the rental income received. Provide screen shot of the XXX listing must to show the property is actively marketed as a short term rental. XXX% LTV reduction is required when using short term rental income to qualify. (Per XXX email - property does not fall under scenario where a XXX month lookback is not required). Need to confirm with appraiser that short term rental income would not be higher than long term rental income (since he addresses comp one used as short term only). - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Exception Approved - Seller-XXX Ready for Review-Document Uploaded. Please see response from XXX. Subject was a major XXX which allows us to treat as new construction - Seller-XXX Ready for Review-This is not required since it is new construction within XXX days of completion. - Seller-XXX Ready for Review-Document Uploaded. Please see attached XXX lookout. DSCR still above XXX - Seller-XXX |
Waived-Originator waiver applied to non-material finding with compensating factors. Exception to allow XXX short terms rent without a look back. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX fico XXX months reserves XXX DSCR |
XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | XXX |
| 2026060244 | XXX | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Upon further review, XXX is seasoned and acceptable as XXX. - Due Diligence Vendor-XXX Ready for Review-Cash Out Does Not Meet Guideline Requirements XXX requires a XXX must be in place more than XXX months with no draws greater than $XXX in the past XXX months. Borrower purchased property XXX with mortgage we are paying off. Draws have been taken out on this mortgage which would not meet XXX guides. – This was a XXX, not a XXX - Seller-XXX Open-Cash Out Does Not Meet Guideline Requirements XXX requires a XXX must be in place more than XXX months with no draws greater than $XXX in the past XXX months. Borrower purchased property XXX with mortgage we are paying off. Draws have been taken out on this mortgage which would not meet XXXguides. - Due Diligence Vendor-XXX |
Ready for Review-Cash Out Does Not Meet Guideline Requirements R&T refinance requires a seasoned XXX must be in place more than XXX months with no draws greater than $XXX in the past XXX months. Borrower purchased property XXX with mortgage we are paying off. Draws have been taken out on this mortgage which would not meet R&T Refinance guides. – This was a construction loan, not a XXX - Seller-XXX |
Resolved-Upon further review, XXX is seasoned and acceptable as non XXX. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060305 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Credit Findings have been resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX taxes - Buyer-XXX Counter-Received tax cert that appears to be tied to XXX. No address provided. Missing XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. taxes on XXX only - Buyer-XXX Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a XXX. Missing documentation for XXX XXX and XXX to verify monthly obligations of XXX and XXX and any other monthly debts associated with those properties. - Due Diligence Vendor-XXX |
Resolved-Credit Findings have been resolved. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060305 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received tax verification for XXX and XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX taxes - Buyer-XXX Counter-Received tax cert that appears to be tied to XXX. No address provided. Missing XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. taxes on XXX only - Buyer-XXX Open-Income and Employment Do Not Meet Guidelines Please provide documentation for REO XXX and XXX to verify monthly obligations of XXX and XXX and any other monthly debts associated with those properties. Additional conditions may apply pending review. - Due Diligence Vendor-XXX |
Resolved-Received tax verification for XXX and XXX - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060245 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX is Missing | Resolved-Received fully executed XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-XXX is Missing - Due Diligence Vendor-XXX |
Resolved-Received fully executed XXX Rider - Due Diligence Vendor-XXX |
DSCR =/> XXX and minimum is XXX or Less - Minimum calculated DSCR allowed is .XXX%; Borrower calculate DSCR is XXX%. Required is XXX Borrower has XXX LTV is less than guideline maximum - Maximum LTV is XXX%; Borrower LTV is XXX% Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO required is XXX; Borrower FICO is XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060245 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received XXX, There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description missing. - Due Diligence Vendor-XXX |
Resolved-Received Ex A legal description, There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor XXX |
DSCR =/> XXX and minimum is XXX or Less - Minimum calculated DSCR allowed is .XXX%; Borrower calculate DSCR is XXX%. Required is XXX Borrower has XXX LTV is less than guideline maximum - Maximum LTV is XXX%; Borrower LTV is XXX% Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO required is XXX; Borrower FICO is XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060245 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Operating agreement is acceptable with the word "XXX" abbreviated. - Due Diligence Vendor-XXX Open-The Business Entity Formation Document is Missing. Operating Agreement in file is for "XXX." Mortgage, title and other docs in file reflect the entity name as "XXX." - Due Diligence Vendor-XXX |
Resolved-Operating agreement is acceptable with the word "Properties" abbreviated. - Due Diligence Vendor-XXX |
DSCR =/> XXX and minimum is XXX or Less - Minimum calculated DSCR allowed is .XXX%; Borrower calculate DSCR is XXX%. Required is XXX Borrower has XXX LTV is less than guideline maximum - Maximum LTV is XXX%; Borrower LTV is XXX% Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO required is XXX; Borrower FICO is XXX. Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||||
| 2026060357 | XXX | C | B | C | A | C | B | A | A | Closed | XXX | XXX | XXX | Cured | 2 - Non-Material | C | B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured------Received PCCD XXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Counter-Received PCCD XXX and XXX, Waiting on Copy of Check and shipping label. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. copy of check and tracking to follow - Seller-XXX Counter-Received PCCD XXX. Lender credit decreased $XXX as the Lender paid Appraisal decreased from $XXX to $XXX on Cd XXX without a XXX. Provide a XXX for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Counter-A corrected PCCD can be completed. Per the initial comment. a XXX or PCCD is required. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. See XXX statement. The PCCD dated XXX was messed up. Will you clear with the final settlement statement and/or allow us to do another PCCD correcting it to match this document? It shows that the borrower was not charged for either item. - Seller-XXX Counter-Per the initial CD XXX the appraisal fee of $XXX and the Credit Report of $XXX where charged to other, Invoice shows the XXX paid for the appraisal. On CD XXX the fee changed to $XXX and $XXX. On the final CD it still shows as other paid, until the PCCD XXX that shows XXX by borrower and removes the credit report fee. Finding Remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Appraisal Fee was reduced from $XXX to $XXX, but this was not a Lender Credit. I am uploading a copy of the XXX and XXX for the appraisal fee change. - Seller-XXX Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $XXX to $XXX without a valid XXX in file. Provide a XXX for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. copy of check and tracking to follow - Seller-XXX Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. See final settlement statement. The XXX dated XXX was messed up. Will you clear with the final settlement statement and/or allow us to do another XXX correcting it to match this document? It shows that the borrower was not charged for either item. - Seller-XXX Ready for Review-Document Uploaded. Appraisal Fee was reduced from $XXX to $XXX, but this was not a Lender Credit. I am uploading a copy of the XXX XXX for the appraisal fee change. - Seller-XXX |
Cured------Received XXX XXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060357 | XXX | C | B | C | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received settlement statement reflecting re taxes paid current. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-The subject property is not current on taxes. Provide supporting documentation showing that Delinquent taxes in the amount of XXX has been paid in full. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received settlement statement reflecting re taxes paid current. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060377 | XXX | C | B | A | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | XXX Disclosure Delivery Date Test | Resolved-Received XXX XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Counter-XXX is for lock extension, need XXX or CD for initial Lock date of XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within XXX business days after the interest rate was locked on XXX, XXX and XXX. -----Rate lock issued XXX, subsequent Closing Disclosure was not provided within XXX business days, XXX - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received XXX XXX. Finding Resolved. - Due Diligence Vendor XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060377 | XXX | C | B | A | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received XXX for decrease in fees. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----Lender credit decreased from XXX to XXX without a valid XXX in file. Provide a XXX for decrease OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received XXX for decrease in fees. Finding Resolved. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060377 | XXX | C | B | A | A | C | B | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Originator Waiver applied to non-material findings. - Due Diligence Vendor-XXX | Waived-Required Affiliated Business Disclosure Missing ------Originator Waiver applied to non-material findings. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | No | XXX | ||||
| 2026060247 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received 1008 with Underwriter XXX Attestation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1008 - XXX. - Seller-XXX Open-Missing XXX Documentation. XXX and/or documentation clearly stating whether the property is a XXX or XXX must be delivered with the file. No confirmation of such has been provided. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. 1008 - Warrantable XXX. - Seller-XXX |
Resolved-Received 1008 with Underwriter XXX Attestation. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. Long term residence - Borrower has been at current residence > XXX years. |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060247 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | XXX Reports not in file | Resolved-Received proof of inspection completed within budget. Per lead acceptable. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. “Traditional” reserves study. Pages in the report point out XXX XXX as well as giving the remaining useful life of an item which is the same information that we would review on a typical XXX XXX XXX. - Seller-XXX Open-Subject is missing required milestone inspection as required by XXX Bill No.XXX. Subject Cert. of XXX was on or before XXX, has a building with XXX or more stories and is : XXX years of age - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. “Traditional” reserves study. Pages in the report point out XXX as well as giving the remaining useful life of an item which is the same information that we would review on a typical XXX inspection. - Seller-XXX |
Resolved-Received proof of inspection completed within budget. Per lead acceptable. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. Long term residence - Borrower has been at current residence > XXX years. |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060247 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | XXX Expiration Date is Prior To the Note Date | Resolved-Received XXX Expiration Date of XXX. XXX also included with exp date XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX. - Buyer-XXX Open-XXX Expiration Date of XXX is Prior To the Transaction Date of XXX Please provide updated XXX with an effective date no later than XXX. - Due Diligence Vendor-XXX |
Resolved-Received updated XXX. Master addendum also included with exp date XXX. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. Long term residence - Borrower has been at current residence > XXX years. |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060247 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected report reflecting as vacant. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Appraisal = Vacant. - Seller-XXX Open-Appraisal provided reflects the occupancy as Owner Occupied. The subject loan is a refinance of an XXX (copy of lease in file indicating tenant occupied). Please provide updated appraisal page 1 with "Occupant" corrected to XXX. Lender approval XXX reflects XXX appraiser to review and correct Occupancy. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Appraisal = Vacant. - Seller-XXX |
Resolved-Received corrected report reflecting as vacant. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. Long term residence - Borrower has been at current residence > XXX years. |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060316 | XXX | C | A | C | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Notary Attestation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Notary XXX - Seller-XXX Counter-Received XXX adding initials. Missing Notary attestation that corrections were at the request of the borrower. Finding remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. POA with borrower initials - Buyer-XXX Counter-Received altered POA with no initials nor Notary acknowledgement of correction. Finding remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Updated POA - Buyer-XXX Counter-Received POA that is specifically for a different property. Finding remains - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. POA - Seller-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Please provide fully executed POA on behalf of the non borrowing spouse. Borrower signed Security Instrument on behalf of spouse. - Due Diligence VendorXXX |
Ready for Review-Document Uploaded. Notary XXX - Seller-XXX Ready for Review-Document Uploaded. POA - Seller-XXX |
Resolved-Received Notary Attestation. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - FICO XXX Qualifying DTI below maximum allowed - DTI XXX% |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060316 | XXX | C | A | C | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received CDA, appraised value is supported - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX - Buyer-XXX Open-The Primary Property Value is XXX. Additional valuation product is required. Please provide acceptable XXX report. - Due Diligence Vendor-XXX |
Resolved-Received XXX, appraised value is supported - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - FICO XXX Qualifying DTI below maximum allowed - DTI XXX% |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060363 | XXX | D | B | D | B | C | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Waived-Client waiver applied to non-material finding with comp factors- to allow for the DTI being XXX% (guideline max allowed is XXX%) debt was not fully paid off at closing. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Counter-Pending debt paid after Note date on alternate finding. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please see credit supp showing account with $XXX balance - Buyer-XXX Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Included payment for XXX XXX in DTI calculation. Need proof XXX with a statement closing date of XXX was paid in full (as final CD shows only XXX paid to XXX). Per statement prior balance was XXX; however, the new balance is $XXX with a $XXX payment. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Waived-Client waiver applied to non-material finding with comp factors- to allow for the DTI being XXX% (guideline max allowed is XXX%) debt was not fully paid off at closing. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
FICO is XXX points above the min required reserves are XXX months post close- min required is XXX months LTV XXX% |
XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | |
| 2026060363 | XXX | D | B | D | B | C | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client waiver applied to non-material finding with comp factors- to allow for the DTI being XXX% (guideline max allowed is XXX%) debt was not fully paid off at closing. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Counter-Received Credit Supplement with XXX XXX for XXX, after Note date of XXX. File includes a Statement as of XXX with a balance XXX with monthly payment of $XXX. Missing proof paid prior to close to exclude. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please see credit supp showing account with $XXX balance - Seller-XXX Open-Audited DTI of XXX% exceeds Guideline DTI of XXX% Included payment for XXX in DTI calculation. Need proof XXX with a statement closing date of XXX was paid in full (as final CD shows only $XXX paid to XXX). Per statement prior balance was $XXX; however, the new balance is $XXX with a $XXX payment. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Ready for Review-Document Uploaded. Please see credit supp showing account with $XXX balance - Seller-XXX |
Waived-Client waiver applied to non-material finding with comp factors- to allow for the DTI being XXX% (guideline max allowed is XXX%) debt was not fully paid off at closing. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
FICO is XXX points above the min required reserves are XXX months post close- min required is XXX months LTV XXX% |
XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | |
| 2026060363 | XXX | D | B | D | B | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received XXX XXX email - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please apply to XXX condition. The XXX sent the email to borrower and the XXX advising/confirming the percentage of ownership for each borrower is XXX%. Please see XXX on the XXX for each borrower. It also confirms each partner's share is XXX% - Seller-XXX Open-Borrower 1 XXX Letter Missing Per guidelines, the lender must verify the borrower’s percentage of ownership. Acceptable forms of documentation include a business license, a signed written statement from a XXX or a XXX (XXX and XXX tax preparers that work for a XXX firm may be permitted), an XXX, XXX of Organization, a Partnership Agreement, or a Business Certificate filed with a XXX. The XXX documents in the file do not assign a percentage to the members and an email with percentages was provided; however, it does not total XXX% and was originally initiated by the borrower. Additional findings may apply. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Please apply to XXX condition. The XXX sent the email to borrower and the XXX advising/confirming the percentage of ownership for each borrower is XXX%. Please see XXX on the XXX for each borrower. It also confirms each partner's share is XXX% - Seller-XXX |
Resolved-Received XXX AND XXX email - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060363 | XXX | D | B | D | B | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received explanation that change in product required additional fees. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please apply to XXX condition. Attached is initial XXX with rate lock showing the original program and also attached is the revised XXX, XXX and rate lock showing the program change and fees that updated which includes fees in condition. - Seller-XXX Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- XXX (XXX%) tolerance fees increased by $XXX PURCHASER REVIEW FEE and Appraisal Review Fee without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations - XXX Year(s); Expiration Date: XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Please apply to TRID condition. Attached is initial XXX with rate lock showing the original program and also attached is the revised XXX, XXX and rate lock showing the program change and fees that updated which includes fees in condition. - Seller-XXX |
Resolved-Received explanation that change in product required additional fees. Finding Resolved. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060248 | XXX | A | A | A | A | A | A | A | A | A | A | XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | ||||||||||||||||||
| 2026060320 | XXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026060312 | XXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026060264 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Missing Third Party Market Rent Source . Provide Market Rent value/Short term analysis. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received XXX Pro. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - DSCR XXX Required is XXX Borrower has XXX DSCR % greater than XXX - DSCR XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060264 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - DSCR XXX Required is XXX Borrower has XXX DSCR % greater than XXX - DSCR XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060296 | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. ccr attached - Buyer-XXX Counter-Received appraisal invoice and lender appraisal review. Missing XXX because CU and XXX in file is more than XXX to meet Guideline XXX Appraisal Review Requirements Appraisal reviews are required for all loan amounts. Either XXX or XXX can be used if score is XXX or less as long as they were pulled around the same date. • CU or XXX Score ≤ XXX is acceptable with no other valuation required. If the CU/LCA Score is > XXX, a desk review from one of the following is required: o Collateral Desktop Analysis (CDA) from XXX o Appraisal Risk Review (ARR) from XXX o ARA from XXX o CCA from Collateral Analytics XXX from XXX (XXX) o Valreview from XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-The Primary Property Value is unsubstantiated. Additional XXX is required. Provide desk review, additional findings may apply. - Due Diligence Vendor-XXX |
Resolved-Received XXX supporting the appraised value. - Due Diligence Vendor-XXX |
Long term residence - Long Term Residence = XXX+ years On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months Months Reserves exceed minimum required - XXX months reserves required and XXX months verified |
XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060296 | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower google search, XXX confirming active, b2 VOE - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XXX |
Resolved-Received Borrower XXX, XXX confirming active, b2 VOE - Due Diligence Vendor-XXX |
Long term residence - Long Term Residence = XXX+ years On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months Months Reserves exceed minimum required - XXX months reserves required and XXX months verified |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060260 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Received updated XXX Document - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Counter-Received XXX. Missing XXX amount . - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Title Document is missing Missing a copy of the XXX. - Due Diligence Vendor-XXX |
Resolved-Received updated Title Document - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060376 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Appraisal confirms short term rentals allowed, listing also confirms. - Due Diligence Vendor-XXX Ready for Review-This is addressed in the appraisal: "Subject is located with a XXX." - Seller-XXX Open-Subject is a XXX - completed within XXX days of application and a Form 1007 based on short-term rental comparables was provided. Although a XXX-month lookback or actively marketed verification is not required, the appraisal did not indicate that the appraiser determined the home is in a short-term rental market with no restrictions (i.e. XXX, XXX, XXX, XXX, etc.). Additional conditions may apply. - Due Diligence Vendor-XXX |
Ready for Review-This is addressed in the appraisal: "Subject is located with a resort market." - Seller-XXX |
Resolved-Appraisal confirms short term rentals allowed, listing also confirms. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060376 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX - Seller-XXX Open-Insufficient Coverage Amount for XXX. Provide additional documentation to verify sufficient hazard insurance coverage as required per agency guidelines. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. XXX - Seller-XXX |
Resolved-Received XXX - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |
| 2026060376 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax estimate and updated 1008 - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. The XXX was based off the cost to build. Ive attached the XXX at the appraised value and the DSCR is minimally affected - Seller-XXX Open-Missing Evidence of Property Tax Lender to address the XXX tax calculation for subject property (which is XXX) using a 'Just (Market) Value' of XXX while the appraised value is XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. The $XXX was based off the cost to build. Ive attached the tax estimator at the appraised value and the DSCR is minimally affected - Seller-XXX |
Resolved-Received property tax estimate and updated 1008 - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |
| 2026060261 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX covers XXX provided in original delivery package. Please see attached - Seller-XXX Open-Insufficient Coverage Amount for XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Dwelling covers XXX provided in original delivery package. Please see attached - Seller-XXX |
Resolved-Received XXX. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060262 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX covers XXX provided in original package delivery. Please see attached - Seller-XXX Open-Insufficient Coverage Amount for XXX. Insufficient Coverage Amount for XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Dwelling covers XXX provided in original package delivery. Please see attached - Seller-XXX |
Resolved-Received XXX - Due Diligence Vendor XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060263 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received full search result on XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. please see attached - Seller-XXX Open-XXX Not Checked with Exclusionary Lists Missing the non borrowing XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. please see attached - Seller-XXX |
Resolved-Received full search result on non-borrowing XXX. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Reserves: XXX Min XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060246 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $XXX | Resolved-XXX provided from sale of property. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Source of XXX and proceeds from refinance used to XXX - Buyer-XXX Counter-Received XXX dated XXX and XXX dated XXX. Funds were updated and are still insufficient for transaction. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Total Qualified Assets Post-Close amount is 'XXX'. Assets are Insufficient. Missing satisfactory documentation evidencing sufficient funds to meet minimum closing cost requirements. - Due Diligence Vendor-XXX |
Resolved-XXX provided from sale of property. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060246 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-XXX provided from sale of property. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Source of XXX and proceeds from refinance used to purchase property - Buyer-XXX Counter-Received XXX dated XXX and XXX dated XXX. Funds were updated and are still insufficient for transaction. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Missing satisfactory documentation evidencing sufficient funds to meet minimum reserve requirements. - Due Diligence Vendor-XXX |
Resolved-XXX provided from sale of property. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060252 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received executed BUSINESS PURPOSE & OCCUPANCY AFFIDAVIT (the'Atlidavit"). - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-XXX |
Resolved-Received executed BUSINESS PURPOSE & OCCUPANCY AFFIDAVIT (XXX). - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060252 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received XXX assignment as well as Business Entity Formation Document reflecting ownership interest is XXX% - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Business Entity Formation Document is Missing. The XXX and XXX Document is Missing, Articles provided does not have borrowers name or percentage. Additional findings may apply. - Due Diligence Vendor-XXX |
Resolved-Received XXX XXX assignment as well as Business Entity Formation Document reflecting ownership interest is XXX% - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060252 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX Missing | Resolved-Received executed XXX Doc XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The XXX is a Business Purpose Loan but the XXX Doc is 'Missing'. - Due Diligence Vendor-XXX |
Resolved-Received executed XXX Doc i - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060284 | XXX | D | B | D | A | A | A | C | B | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Received confirmation of monthly XXX for unit from XXX. DSCR>XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Counter-Exception is provided is for the XXX of the subject and does not address the DSCR < XXX finding. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-The Calculated DSCR of 'XXX' is less than the minimum DSCR per lender guidelines of 'XXX'. Lender used a higher PITIA per 1008 than what was verified, resulting in a DSCR < XXX. Condotel are not permitted under XXX - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received confirmation of monthly HOA for unit from XXX association. DSCR>XXX - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Long term residence - Borrower at primary for XXX years |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060284 | XXX | D | B | D | A | A | A | C | B | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. hello, please see the attached supporting documents showing the seller's name to be the LLC. thank you. - Seller-XXX Ready for Review-Document Uploaded. Hi! For the last condition, Please see XXX showing the seller on the contract is listed the same as the XXX. Can we have this waived? - Seller-XXX Counter-Received Fraud Report, please add seller name from Sales Contract to XXX/XXX/XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Counter-Received Fraud Report. Fraud report reflect high alerts and not all loan participants are included in search as required in guideline XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Missing Third Party Fraud Report Provide Fraud report. Subject to additional conditions. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. hello, please see the attached supporting documents showing the seller's name to be the XXX. thank you. - Seller-XXX Ready for Review-Document Uploaded. Hi! For the last condition, Please see snippet showing the seller on the contract is listed the same as the XXX. Can we have this waived? - Seller-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Long term residence - Borrower at primary for XXX years |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060284 | XXX | D | B | D | A | A | A | C | B | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 Credit Report is Missing. Provide credit report. Subject to additional conditions. - Due Diligence Vendor-XXX |
Resolved-Received Credit Report. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Long term residence - Borrower at primary for XXX years |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060284 | XXX | D | B | D | A | A | A | C | B | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement with no late payments reflected. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Housing History Does Not Meet Guideline Requirements Provide a satisfactory XXX month housing history for the XXX. Subject to additional conditions. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received Credit Supplement with no late payments reflected. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Long term residence - Borrower at primary for XXX years |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060284 | XXX | D | B | D | A | A | A | C | B | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received XXX form from Lender. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Missing Warrantability Documentation. Provide warrantability documentation - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received XXX Classification form from Lender. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Long term residence - Borrower at primary for XXX years |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060284 | XXX | D | B | D | A | A | A | C | B | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | XXX Document is Missing | Resolved-Received XXX Document - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Subject Property is part of an XXX but the XXX Document is Missing. Provide XXX. Subject to additional conditions. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received HOA Questionnaire Document - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Long term residence - Borrower at primary for XXX years |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060284 | XXX | D | B | D | A | A | A | C | B | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Property | Property | XXX or XXX is outside of guidelines | Waived-Client exception granted to allow <XXX , Non-material waiver applied with comp factors. Non-material due to XXX months reserves and Fico of XXX - Due Diligence Vendor-XXX Open-XXX guideline requires XXX sq ft and XXX bedroom, XXX with XXX sq ft and no XXX. - Due Diligence Vendor-XXX |
Waived-Client exception granted to allow <XXX. , Non-material waiver applied with comp factors. Non-material due to XXX months reserves and Fico of XXX - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Long term residence - Borrower at primary for XXX years |
FICO XXX Reserves XXX months Credit History: XXX days for XXX months |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | |||
| 2026060343 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Profit & Loss Missing | Resolved-Received rebuttal. XXX is property leased to another qualifying business and change in expenses is addressed and decline is not relevant. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX - Seller-XXX Counter-Received XXX and XXX XXX (XXX) and XXX (XXX), XXX is not supported by the XXX with XXX reflects significant reduction and appears experiencing some recovery in XXX. Lender XXX for XXX using XXX income as per XXX Declining Income If income is declining year-over-year, then the lowest income year will be used to qualify the borrower, However missing " A letter of explanation detailing the reason for the decline and the possibility of further income deterioration is required. " - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-Borrower XXX XXX Profit & Loss Missing Missing XXX for XXX and XXX XXX XXX for all businesses (except XXX) - signed/dated by XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. UW response - Seller-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received rebuttal. XXX is property leased to another qualifying business and change in expenses is addressed and decline is not relevant. - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - Borrower have been self-employed for XXX+ years Months Reserves exceed minimum required - We have XXX mos remaining after deducting XXX months required |
XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060343 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-After further review XXX ( XXX and most recent quarter) are prepared/signed by borrower as returns are on extension . - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Borrower 1 XXX Letter Missing 1). Lender to validate via internet XXX information. 2). XXX must attest in writing review of XXX or working papers to complete XXX for XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-After further review P&L ( prior year and most recent quarter) are prepared/signed by borrower as returns are on extension . - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - Borrower have been self-employed for XXX+ years Months Reserves exceed minimum required - We have XXX mos remaining after deducting XXX months required |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060343 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received self employment worksheets - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing lender income worksheets for all income used to qualify for both borrowers. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received self employment worksheets - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - Borrower have been self-employed for XXX+ years Months Reserves exceed minimum required - We have XXX mos remaining after deducting XXX months required |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060343 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Business Tax Returns Missing | Resolved-Received extension for XXX and XXX returns - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-Borrower XXX Business Tax Returns Missing Missing XXX tax extensions for XXX (and proof of payments to XXX have been received if money is owed). - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received extension for XXX business and personal returns - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - Borrower have been self-employed for XXX+ years Months Reserves exceed minimum required - We have XXX mos remaining after deducting XXX months required |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060343 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-Received XXX extension for XXX and business returns - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Borrower XXX Business Tax Returns Missing Missing XXX extensions for all businesses (and proof of payments to XXX have been received if money is owed). - Due Diligence Vendor-XXX |
Resolved-Received XXX extension for XXX and business returns - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - Borrower have been self-employed for XXX+ years Months Reserves exceed minimum required - We have XXX mos remaining after deducting XXX months required |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060343 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower XXX XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Need updated XXX Credit report for co-borrower (over XXX days from closing date). - Due Diligence Vendor-XXX |
Resolved-Received XXX - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - Borrower have been self-employed for XXX+ years Months Reserves exceed minimum required - We have XXX mos remaining after deducting XXX months required |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060343 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-After further review, transcripts provided, which is allowable per guides. - Due Diligence Vendor-XXX Open-Borrower 1 Tax Returns Not Signed Borrower to sign and date XXX tax returns that they are XXX. - Due Diligence Vendor-XXX |
Resolved-After further review, transcripts provided, which is allowable per guides. - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - Borrower have been self-employed for XXX+ years Months Reserves exceed minimum required - We have XXX mos remaining after deducting XXX months required |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||||
| 2026060343 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-After further review, transcripts provided, which is allowable per guides. - Due Diligence Vendor-XXX Open-Borrower XXX Tax Returns Not Signed Co-Borrower to sign and date XXX tax returns in file. - Due Diligence Vendor-XXX |
Resolved-After further review, transcripts provided, which is allowable per guides. - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - Borrower have been self-employed for XXX+ years Months Reserves exceed minimum required - We have XXX mos remaining after deducting XXX months required |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||||
| 2026060285 | XXX | C | B | C | B | C | A | C | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator provided a waiver for XXX with XXX minimum required, applied to non material finding with comp factors - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Per guidelines, a XXX must have a minimum of XXX. Subject property has XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Waived-Originator provided a waiver for XXX with XXX minimum required, applied to non material finding with comp factors - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
FICO: XXX>XXX minimum required LTV: XXX%<XXX% max allowed |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | Originator Post-Close | Yes | XXX | |
| 2026060285 | XXX | C | B | C | B | C | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-The Primary Property Value is unsubstantiated. Additional XXX is required. A XXX was provided that exceeds the XXX score and does not support the original appraisal. A XXX must be provided to support the original value. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060285 | XXX | C | B | C | B | C | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received XXX XXX and loan disbursement fee sheet correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-This loan failed the XXX "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation XXX and that are provided by persons other than the creditor or mortgage broker. -----Processing Fee and Credit Report Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state XXX (for the benefit of) to said XXX. Provide a post close CD with correction within XXX days of discovery date. Statute of Limitations - XXX year, expiration date XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received XXX XXX and loan disbursement fee sheet correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060307 | XXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026060268 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026060331 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Settlement statement for XXX XXX with XXX proceeds to seller. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a XXX. Missing final CD for sale of XXX XXX XXX to verify: 1. Proceeds from the sale used for cash to close (Net minimum XXX). 2. The borrower does not have any future housing payment obligations for this property. Additional conditions may apply. - Due Diligence Vendor-XXX |
Resolved-Received Settlement statement for XXX with $XXX proceeds to seller. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060331 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final XXX from sale of non-subject property | Resolved-Received Settlement statement for XXX XXX with XXX proceeds to seller. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Missing final CD for sale of XXX XXX XXX to verify: 1. Proceeds from the sale used for cash to close (Net minimum $XXX). 2. The borrower does not have any future housing payment obligations for this property. Additional conditions may apply. - Due Diligence Vendor-XXX |
Resolved-Received Settlement statement for XXX with $XXX proceeds to seller. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060302 | XXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026060267 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received bank certification of XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-The XXX Document is Missing. Missing EIN Number. - Due Diligence Vendor-XXX |
Resolved-Received bank certification of XXX - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060267 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed by guidelines | Waived-Client exception granted to allow property listed for sale < XXX days from application. , Non-material waiver applied with comp factors. - Due Diligence Vendor-XXX Open-Subject property was listed for sale within a time period not allowed per guidelines Exception: page XXX - Property was on the market less than XXX days ago Property was listed on XXX, listing removed XXX. XXX% LTV, rate and term refinance, % utilization, XXX open tradelines, XXX FICO ~$ XXX in additional cash out funds from XXX other transactions - Due Diligence Vendor-XXX |
Waived-Client exception granted to allow property listed for sale < XXX days from application. , Non-material waiver applied with comp factors. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
Credit Score XXX, reserves XXX, DSCR XXX, LTV XXX% | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | |||
| 2026060315 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | XXX: Closing Disclosure not received by the borrower XXX days prior to consummation | Resolved-Received initial CD XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open------ Missing Initial CD, please provide - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received initial CD XXX. Finding Resolved. - Due Diligence Vendor XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060336 | XXX | D | A | D | A | C | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received XXX supporting value - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-The Primary Property Value is unsubstantiated. XXX is required. CU score is too high, no other valuations provided. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received XXX supporting value - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Guides require XXX months reserves and the borrower has XXX months. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060336 | XXX | D | A | D | A | C | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA Letters verifying XXX Years Schedule XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Borrower 1 XXX Letter Missing CPA letter is required to evidence the borrowers ownership percentage and how long he has been self employed. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received XXX Letters verifying XXX Years Schedule C - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Guides require XXX months reserves and the borrower has XXX months. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060336 | XXX | D | A | D | A | C | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing No bank statement worksheet is provided. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Guides require XXX months reserves and the borrower has XXX months. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060336 | XXX | D | A | D | A | C | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than XXX% Test | Resolved-Received copy of XXX XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX dated XXX. - Buyer-XXX Counter-XXX is missing from file. Without an XXX dated within XXX days of the application date, XXX fees in XXX will automatically be tested at XXX% tolerance. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Seller response - Buyer-XXX Open-This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----XXX (XXX%) tolerance fees (Lender Credits) increased by $XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Remediation options (XXX) within XXX days of consummation expires XXX (XXX) within XXX days of discovery expires XXX remains XXX under XXX After XXX days of discovery, no cure, Statute of Limitations - XXX Years; Expiration Date: XXX remains XXX - Due Diligence Vendor-XXX |
Resolved-Received copy of XXX. Finding Resolved. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Guides require XXX months reserves and the borrower has XXX months. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060336 | XXX | D | A | D | A | C | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Missing e-Consent. -----Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-XXX |
Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Guides require XXX months reserves and the borrower has XXX months. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060362 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026060324 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026060287 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit Disclosure - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-XXX |
Resolved-Received Business Purpose Affidavit Disclosure - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060287 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Formation Documents - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Business Entity Formation Document is Missing. All required business entity docs are missing from the file (XXX, XXX, Good Standing) - Due Diligence Vendor-XXX |
Resolved-Received Business Entity Formation Documents - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060287 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Subject Loan is a Business Purpose Loan but the XXX Doc is 'Missing'. Missing Guaranty Agreement - Due Diligence Vendor-XXX |
Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060277 | XXX | C | B | C | A | B | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, file contained updated balances for each account considered in XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. There are XXX for each of the accounts which are included in the loan file. Pages XXX- XXX. Please take a relock at the loan file for requested loan docs. If a specific state is missing please provide clarification. - Buyer-XXX Open-Asset Qualification Does Not Meet Guideline Requirements Need XXX or acceptable printout from XXX to current for all XXX accounts used for Asset Utilization calculation (as required we must have validated balances on all accounts within XXX days of closing date. All accounts statement provided ended XXX). - Due Diligence Vendor-XXX |
Resolved-Upon further review, file contained updated balances for each account considered in Asset Utilization. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060277 | XXX | C | B | C | A | B | B | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||||
| 2026060364 | XXX | D | A | C | A | A | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Property | Missing Doc | XXX or Additional Valuation has not been entered per securitization requirements | Resolved-SSR with a CU score of XXX was provided- condition resolved - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Additional XXX has not been provided. Most recent CU in file dated XXX does not indicate a score, cannot use the earlier version dated XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-XXX with a CU score of XXX was provided- condition resolved - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060364 | XXX | D | A | C | A | A | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received the XXX with the date of XXX- condition resolved - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX Funded XXX - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received the updated hazard policy with the date of XXX-XXX- condition resolved - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060364 | XXX | D | A | C | A | A | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Fraud report reflects debt monitoring with an end date of XXX- condition resolved - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Fraud report reflects debt monitoring with an end date of XXX- condition resolved - Due Diligence Vendor XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060348 | XXX | D | A | D | A | D | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | XXX: Closing Disclosure Deficiency | Resolved-Received e signed final CD. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Final CD XXX & Revised CD XXX are not signed and there is no evidence in file of borrower acknowledgement of final CD. - Due Diligence Vendor-XXX |
Resolved-Received e signed final CD. Finding Resolved. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060348 | XXX | D | A | D | A | D | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-The Final 1003 is Missing Please provide executed Final 1003 - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060348 | XXX | D | A | D | A | D | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received documentation for XXX XXX. XXX is borrowers primary residence - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Missing expense documents for properties identified as XX and XXX on borrower's loan application; per Letter of Explanation stating there are no XXX fees; however, there are no other documents, i.e. taxes or insurance provided, other findings may apply. - Due Diligence Vendor-XXX |
Resolved-Received documentation for investment property XXX. XXX is borrowers primary residence - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060348 | XXX | D | A | D | A | D | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received clients income worksheet - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing complete lender income calculation worksheet to support income used to qualify. Loan file only contains portions including a list of some excluded deposits, full worksheet is missing. - Due Diligence Vendor-XXX |
Resolved-Received clients income worksheet - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060289 | XXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026060291 | XXX | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | ||||||||||||||||||
| 2026060299 | XXX | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | ||||||||||||||||||
| 2026060351 | XXX | C | A | C | A | B | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation letter from lender. No affiliates. Finding Resolved. - Due Diligence Vendor-XXX | Resolved-Received attestation letter from lender. No affiliates. Finding Resolved. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. |
XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060351 | XXX | C | A | C | A | B | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX w XXX - Buyer-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description from Security Instrument. - Due Diligence Vendor-XXX |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. |
XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060374 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received email confirming XXX% replacement cost. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Insufficient Coverage Amount for XXX. Missing evidence of property insurance coverage no less than XXX (loan amount is lower than appraisal XXX new and XXX). Dwelling coverage provided is XXX which is insufficient; a replacement cost XXX was not included to support reduced coverage. Other findings may apply, including but not limited to an increased XXX that may impact qualifying debt ratios. - Due Diligence Vendor-XXX |
Resolved-Received email confirming XXX% replacement cost. - Due Diligence Vendor-XXX |
Residual Income =/> XXX times $XXX monthly residual income - Residual Income: $XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060311 | XXX | XXX | B | B | A | A | B | B | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect XXX Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form XXX is 'XXX (XXX)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). XXX Form XXX is acceptable in place of XXX form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXX |
Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'XXX (XXX)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | No | XXX | |||
| 2026060295 | XXX | D | B | D | B | D | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 XXX Credit Report is Incomplete | Waived-Client exception granted for expired XXX Report, waiver applied with compactors - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Investor waiver - Seller-XXX Open-**XXX**Per XXX XXX Credit Refresh/XXX Report within a XXX day XXX. Report provided is XXX days from Note date. Please provide XXX or Refresh report w/in XXX days - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Investor waiver - Seller-XXX |
Waived-Client exception granted for expired XXX Report, waiver applied with compactors - Due Diligence VendorXXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
DTI under XXX (XXX%), Low LTV (XXX), & excessive reserves (XXX months) | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | |
| 2026060295 | XXX | D | B | D | B | D | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-PCCD received. loan disbursed on XXX, XXX is acceptable - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX is acceptable. File did not disbursed until XXX. Same day as flood effective date. See attached PCCD. - Buyer-XXX Open-Flood Insurance Effective Date of XXX is after the Note Date of XXX Flood Insurance coverage has an effective date of XXX which creates a coverage XXX. Other findings may apply. - Due Diligence Vendor-XXX |
Resolved-XXX received. loan disbursed on XXX, Flood Ins is acceptable - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060295 | XXX | D | B | D | B | D | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Borrower 1 XXX Credit Report is not expired. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Credit Report - Buyer-XXX Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Missing a credit refresh/XXX report or evidence of credit monitoring within XXX days of the note date. - Due Diligence Vendor-XXX |
Resolved-Borrower 1 XXX Credit Report is not expired. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060295 | XXX | D | B | D | B | D | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX Disclosure is not applicable. - Seller-XXX Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. Statute of Limitations XXX years - Expiration Date is XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. XXX Disclosure is not applicable. - Seller-XXX |
Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060379 | XXX | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received XXX for increase in loan amount, Fees not listed on XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX docs from our file showing why fees increased - Seller-XXX Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- XXX (XXX%) tolerance fees increased by XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Remediation options XXX within XXX days of consummation expires XXX within XXX days of discovery expires XXX remains XXX under XXX XXX After XXX days of discovery, no cure, Statute of Limitations - XXX Years; Expiration Date: XXX remains XXX - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. XXX docs from our file showing why fees increased - Seller-XXX |
Resolved-Received XXX for increase in loan amount, Fees not listed on XXX. Finding Resolved. - Due Diligence Vendor XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |
| 2026060352 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Final 1003 for XXX XXX reflects Mortgage w/ XXX pymnt $ XXX (matches XXX) and XXX has $XXX which matches documents in file. Edit Delete - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. taxes - $XXX + HOI $XXX + HOA $XXX = XXX = XXX - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Missing documentation which confirms the monthly primary housing payment used to qualify borrowers for XXX identified as XXX on loan application. Documents provided do not align with payment on loan application. Other findings may apply. - Due Diligence Vendor-XXX |
Resolved-Final 1003 for XXX reflects Mortgage w/ United Wholesale pymnt $ XXX (matches CR) and T/I/HOA has $XXX which matches documents in file. Edit Delete - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Residual Income =/> XXX times $XXX monthly residual income - Residual Income: $XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Reserves: XXX Min XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060352 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Documentation in file supports information on final 1003. The Final Reviewed XXX is acceptable - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. taxes - XXX = XXX = XXX - Buyer-XXX Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending housing conditions. - Due Diligence Vendor-XXX |
Resolved-Documentation in file supports information on final 1003. The Final Reviewed QM Status is acceptable - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Residual Income =/> XXX times $XXX monthly residual income - Residual Income: $XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Reserves: XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060325 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received Property profile to confirm ownership - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please see attached property profile. - Buyer-XXX Open-Property XXX XXX to provide copy of deed when subject was purchased (as date is needed to verify date of original ownership) - Due Diligence Vendor-XXX |
Resolved-Received Property profile to confirm ownership - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060325 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received XXX, XXX, and Operating Agreement. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1.Please see attached LLC documents. 2.Please see attached XXX. - Buyer-XXX Open-The Business Entity Formation Document is Missing. We are missing Business Entity Formation documentation, ie: Business License, Articles or Organization, fully executed Operating Agreement to reflect percent of ownership in business, EIN Number documentation, Articles of Formation. - Due Diligence Vendor-XXX |
Resolved-Received XXX, XXX, and Operating Agreement. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060325 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please see attached XXX. - Buyer-XXX Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing page XXX - signature page of Guaranty Agreement - Due Diligence Vendor-XXX |
Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060290 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026060372 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received XXX letter and Business Narrative confirming XXX% ownership. Income updated. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a XXX. Missing account letter or operating agreement confirming borrower ownership percentage of their business-audit used XXX% owner.XXX search shows an additional owner but does not specify ownership percentage. Income may need to be recalculated upon receipt and confirmation. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received XXX letter and Business Narrative confirming XXX% ownership. Income updated. - Due Diligence Vendor-XXX |
Long term residence - Owned current residence XXX years On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months |
XXX.pdf XXX.pdf XXX.pdf |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060372 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received XXX letter and Business Narrative confirming XXX% ownership. Income updated. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-Borrower 1 XXX Letter Missing Missing account letter or operating agreement confirming borrower ownership percentage-audit used XXX% owner. XXX search shows an additional owner but does not specify ownership percentage. Income may need to be recalculated upon receipt and confirmation. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received XXX letter and Business Narrative confirming XXX% ownership. Income updated. - Due Diligence Vendor-XXX |
Long term residence - Owned current residence XXX years On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months |
XXX.pdf XXX.pdf |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060372 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The bank statement worksheet was provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-XXX |
Resolved-The bank statement worksheet was provided. - Due Diligence Vendor-XXX |
Long term residence - Owned current residence XXX years On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months |
XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060372 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX is Missing | Resolved-XXX was provided with XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Mortgage & note have the same date XXX. - Buyer-XXX Open-XXX is Missing - Due Diligence Vendor-XXX |
Resolved-DOT was provided with XXX rider - Due Diligence Vendor-XXX |
Long term residence - Owned current residence XXX years On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months |
XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060372 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Security Instrument Date matches Note Date - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Mortgage & note have the same date XXX. - Seller-XXX Open-Security Instrument Date does not match the Note Date -----Missing DOT - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Mortgage & note have the same date XXX. - Seller-XXX |
Resolved-Security Instrument Date matches Note Date - Due Diligence Vendor-XXX |
Long term residence - Owned current residence XXX years On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months |
XXX.pdf XXX.pdf |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060372 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust was provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Mortgage & note have the same date XXX. - Seller-XXX Open-The Deed of Trust is Missing -----Missing DOT - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Mortgage & note have the same date XXX. - Seller-XXX |
Resolved-The Deed of Trust was provided. - Due Diligence Vendor-XXX |
Long term residence - Owned current residence XXX years On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months |
XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060372 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and XXX, meeting XXX. - Due Diligence Vendor-XXX Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced XXX , as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XXX |
Resolved-Loan contains full appraisal and XXX, meeting XXX compliance. - Due Diligence Vendor XXX |
Long term residence - Owned current residence XXX years On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||||
| 2026060373 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed XXX is acceptable or the loan is a XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Both conditions should be waived. Deeds showing free/clear ownership are provided for each property on the 1003. The XXX goes back to XXX. Thank you. - Buyer-XXX Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Need proof that XXX property on 1003 - XXX is owned XXX - Due Diligence Vendor-XXX |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Borrower has XXX months in reserves after XXX months were deducted. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060373 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Property owned free and clear per the property report. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Both conditions should be waived. Deeds showing free/clear ownership are provided for each property on the 1003. The XXX goes back to XXX. Thank you. - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements 1003 - XXX - Property XXX - Need proof that this property is owned XXX (as XXX does not reflect mortgagee section to confirm). - Due Diligence Vendor-XXX |
Resolved-Property owned free and clear per the property report. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Borrower has XXX months in reserves after XXX months were deducted. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060373 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Title | XXX not Provided | Resolved-XXX has been provided - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Both conditions should be waived. Deeds showing free/clear ownership are provided for each property on the 1003. The XXX goes back to XXX. Thank you. - Buyer-XXX Open-XXX provided. XXX to provide XXX for the past XXX months. - Due Diligence Vendor-XXX |
Resolved-Satisfactory XXX has been provided - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Borrower has XXX months in reserves after XXX months were deducted. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060353 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Underwriter Cert confirming verification of XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. See attached: Pin Verification - Buyer-XXX Open-Borrower 1 XXX Letter Missing Lender to provide verification of PTIN number for XXX - Due Diligence Vendor-XXX |
Resolved-Received Underwriter Cert confirming verification of XXX - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060298 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | XXX Not Allowed for Program | Resolved-After further review, there are no restrictions on a XXX on a primary residence. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-XXX Not Allowed for Program Missing documentation which confirms and/or clarifies the relationship between borrower(s) and seller. Per appraisal report, transaction is XXX stating the parties had a previous "relationship". Other findings may apply. - Due Diligence Vendor-XXX |
Resolved-After further review, there are no restrictions on a non-arms length transaction on a primary residence. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Min XXX, actual XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060298 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower XXX Credit Report was provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower XXX Credit Report is Missing. Missing full credit report for co-borrower. Other findings may apply. - Due Diligence Vendor-XXX |
Resolved-Borrower 2 Credit Report was provided. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Min XXX, actual XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060298 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received Sign copy of CD XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXX" or "XXX" or blank, and the revised closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD XXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX |
Resolved-Received Sign copy of CD XXX. Finding Resolved. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Min XXX, actual XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060367 | XXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026060280 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026060306 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrected security instrument. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. corrected recorded mortgage - Seller-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The property is located in XXX, not XXX. Need the Mortgage corrected. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. corrected recorded mortgage - Seller-XXX |
Resolved-Received corrected security instrument. - Due Diligence Vendor-XXX |
Long term residence - Borrowers' at primary residence for XXX years Months Reserves exceed minimum required - Min XXX, actual XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060306 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds XXX DTI | Resolved-Audited DTI of XXX% is less than or equal to XXX DTI of XXX%, consumer debts were paid at closing. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Credit Cards were paid off. These should lower the DTI to below XXX%. - Buyer-XXX Open-Audited DTI of XXX% exceeds XXX DTI of XXX% Total debts exceed DTI - Due Diligence Vendor-XXX |
Resolved-Audited DTI of XXX% is less than or equal to XXX DTI of XXX%, consumer debts were paid at closing. - Due Diligence Vendor-XXX |
Long term residence - Borrowers' at primary residence for XXX years Months Reserves exceed minimum required - Min XXX, actual XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060306 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Assets | Asset XXX Does Not Meet Guideline Requirements | Resolved-The yearly statement was provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Attached is the most recent XXX annual statement. - Buyer-XXX Counter-Current XXX balance was provided. However, please provide yearly statement. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Current balance for XXX. Transaction History show only once a year. - Buyer-XXX Open-Asset XXX Does Not Meet Guideline Requirements Transaction statement for XXX is not dated. Assets are not yet finalized and additional documentation and/or information may be required. - Due Diligence Vendor-XXX |
Resolved-The yearly statement was provided. - Due Diligence Vendor-XXX |
Long term residence - Borrowers' at primary residence for XXX years Months Reserves exceed minimum required - Min XXX, actual XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060259 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-XXX provided dated XXX reflects the business as active. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Cert of Good Standing is 'Active'. - Buyer-XXX Open-The Business Entity Formation Document is incomplete Missing certificate of good standing - Due Diligence Vendor-XXX |
Resolved-XXX provided dated XXX reflects the business as active. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060368 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Verification of Rent | Waived-Client exception granted to allow XXX obtained as a credit supplement as a stand XXX verification without canceled checks or bank statements showing payments debited by the XXX, Non-material waiver applied with comp factors. - Due Diligence Vendor-XXX Open-Private party XXX - verification of timely payments made is required (either XXX (front and back) or bank statements showing account ownership and payments debited by the XXX). Request is to allow XXX obtained as a credit supplement as a stand alone verification without XXX or bank statements showing payments debited by the XXX. Borrower has paid in cash sometime and other times has prepaid a XXX at a time, so there is not a consistent stable documentation of the payments being debited by the XXX. - Due Diligence Vendor-XXX |
Waived-Client exception granted to allow VOR obtained as a credit supplement as a stand alone verification without canceled checks or bank statements showing payments debited by the Landlord, Non-material waiver applied with comp factors. - Due Diligence Vendor-XXX |
Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
Credit Score: XXX Reserves (months): XXX DTI: XXX Residual Income: XXX LTV: XXX Employment Stability XXX years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | |||
| 2026060283 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026060269 | XXX | C | B | A | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan is a XXX with full appraisal, meeting XXX compliance. - Due Diligence Vendor-XXX Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XXX |
Resolved-Loan is a XXX lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||||
| 2026060269 | XXX | C | B | A | A | C | B | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect XXX Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form XXX is 'XXX (XXX)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----XXX Form XXX is acceptable in place of XXX form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |
Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (XXX)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||||
| 2026060378 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026060354 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | XXX | Resolved-Received Mavent for PCCD's. Finding Resolved, - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-This loan failed the XXX finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. ------- This loan failed the TILA finance charge test.( 12 CFR §XXX(o)(2) ). The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX at -$XXX. Provide evidence of refund or principal reduction of -XXX, or at a minimum to the $XXX threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within XXX days of discovery. Statute also requires rescission to be re-opened, therefore XXX is required to be provided. Remediation options (1) within XXX days of consummation expires XXX (2) within XXX days of discovery expires XXX remains XXX under XXX(b) (3) After XXX days of discovery, no cure, Statute of Limitations - XXX Year; Expiration Date: XXX remains XXX - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received Mavent for PCCD's. Finding Resolved, - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060354 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received XXX for increase in fees. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------ XXX (XXX%) tolerance fees increased by XXX Points - Loan Discount Points, Credit Report Fee and Title Document Preparation Fee without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Remediation options (1) within XXX days of consummation expires XXX (2) within XXX days of discovery expires XXX remains XXX under XXX(b) (XXX) After XXX days of discovery, no cure, Statute of Limitations - XXX Years; Expiration Date: XXX remains XXX - Due Diligence Vendor-XXX |
Resolved-Received COC's for increase in fees. Finding Resolved. - Due Diligence Vendor XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060354 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than XXX% Test | Resolved-Received XXX for increase in fees. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ------ XXX (XXX%) tolerance fees Recording Service Fee, Settlement or Closing Fee and XXX Fee increased by $XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Remediation options (1) within XXX days of consummation expires XXX(XXX) within XXX days of discovery expires XXX remains XXX under XXX After XXX days of discovery, no cure, Statute of Limitations - XXX Years; Expiration Date: XXX remains XXX - Due Diligence Vendor-XXX |
Resolved-Received COC's for increase in fees. Finding Resolved. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060354 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | XXX Rescission Finance Charge Test | Resolved-Received Mavent for XXX. Finding Resolved, - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-This loan failed the XXX foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate for purposes of rescission because it is understated by more than $XXX. ------- Finance charge is understated by $XXX which exceeds threshold of $XXX. Provide evidence of refund or principal reduction for $XXX or, at a minimum, to the $XXX threshold, post-close CD, XXX and evidence of delivery to the borrower within XXX days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. Remediation options (1) within XXX days of consummation expires XXX (2) within XXX days of discovery expires XXX remains XXX under XXX(b) (3) After XXX days of discovery, no cure, Statute of Limitations - XXX Years; Expiration Date: XXX remains XXX - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received Mavent for PCCD's. Finding Resolved, - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026060354 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-XXX Division provided reflecting the business is active and dated XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 3rd Party VOE Prior to Close Missing A Third-Party Verification of the existence of the borrower’s business is required within XXX business days of the Note date. Missing documentation that evidences the borrower's business was active and in good standing at the time of closing, including but not limited to a Verbal Verification of Employment via an accountant, dated confirmation from the XXX of XXX of XXX. Other findings may apply. - Due Diligence Vendor-XXX |
Resolved-XXX Corporations Division provided reflecting the business is active and dated XXX. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060335 | XXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | XXX Not Provided Within XXX Days of Application Date | Waived-The XXX was not provided within XXX days of the Application Date (Number of Days Difference is 'XXX'). Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Waived-The XXX was not provided within XXX days of the Application Date (Number of Days Difference is 'XXX'). Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | ||||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD XXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Counter-Received PCCD with shipping label, XXX and copy of check for $XXX. Due to the increase i points on the PCCD (which is not allowed) the new finding is as follows:-----XXX (XXX%) tolerance fees increased by $XXX (Points, Appraisal, Credit Report, Flood Cert, and Tax Service) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Final CD included a Lender credit of XXX for increase in closing cost above legal limit. Remediation options (1) within XXX days of consummation expires XXX (2) within XXX days of discovery expires XXX remains XXX under XXX(b) (3) After XXX days of discovery, no cure, Statute of Limitations - XXX Years; Expiration Date: XXX remains XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-***NEW****---XXX (XXX%) tolerance fees increased by $XXX (Appraisal, Credit Report, Flood Cert, and Tax Service Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Remediation options (1) within XXX days of consummation expires XXX (2) within XXX days of discovery expires XXX remains XXX under XXX(b) (3) After XXX days of discovery, no cure, Statute of Limitations - XXX Years; Expiration Date: XXX remains XXX - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Cured-Received XXX XXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Received corrected PCCD XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-*NEW* - Received XXX with increased loan points which is not allowable under TRID rule.----This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is XXX or more, and the transaction's total points and fees is XXX, which exceeds XXX percent of the total loan amount of XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX, which exceeds the lesser of XXX percent of the total loan amount of XXX or XXX. - Due Diligence Vendor-XXX |
Resolved-Received corrected XXX XXX. Finding Resolved. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved-Received corrected PCCD XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-*NEW* - Received PCCD with increased loan points which is not allowable under TRID rule. This loan failed the high-cost mortgage timing of disclosure test due to XXX of the following findings: ( 12 CFR §1026.31(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least XXX business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; or Neither the consummation date nor the closing date was provided. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received corrected XXX XXX. Finding Resolved. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Received corrected PCCD XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-*NEW* - Received PCCD with increased loan points which is not allowable under TRID rule. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received corrected XXX XXX. Finding Resolved. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower XXX days prior to consummation | Resolved-Received CD XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. initial CD - Seller-XXX Open-****NEW****Missing initial CD at least XXX days prior to closing. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. initial CD - Seller-XXX |
Resolved-Received CD XXX. Finding Resolved. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower XXX Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received XXX analysis for B3 - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-The Borrower XXX Bank Statement Summary/Lender Worksheet is Missing Lender to provide bank statement income worksheet. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received business bank statement analysis for B3 - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Upon further review, transaction meets guideline XXX Non-Occupant Co-borrower - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Need fully executed addendum to sales contact adding Co-borrower XXX to the transaction since he is on the application for the loan. - Due Diligence Vendor-XXX |
Resolved-Upon further review, transaction meets guideline XXX Non-Occupant Co-borrower - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received XXX and XXX clearance of both closing attorney - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-All Interested Parties Not Checked with Exclusionary Lists XXX check should be run on both XXX listed on sales contract. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received XXX and XXX clearance of both closing attorney - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | XXX Disclosure Delivery Date Test | Resolved-Received XXX XXX with XXX, Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-This loan failed the XXX XXX Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within XXX business days after the interest rate was locked on XXX. ----- Disclosure advising borrower of revised interest rate and any interest rate dependent charges was not delivered within XXX business days after the interest rate was locked. Statute of Limitations - XXX Years, expiration date XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received XXX XXX with XXX, Finding Resolved. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | XXX Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received XXX Disclosure. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-This loan failed the XXX organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within XXX business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than XXX business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(1)The XXX maintained by the XXX for lenders to use in complying with the requirements of this section; or(2)Data made available by the XXX or XXX for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX (observed) on XXX (XXX) As not being open on XXX not being open on XXX (XXX)As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the XXX are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Homeownership Counseling List in file is dated XXX and not provided to borrower within XXX days of application date of XXX. - Due Diligence Vendor-XXX |
Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received Initial XXX XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-This loan failed the initial loan estimate delivery date test (from application) due to XXX of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX (observed) on XXX (XXX)As not being open on XXX not being open on XXX (XXX)As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. ----- Missing initial XXX dated within XXX days of Application date. Additional Findings may apply upon receipt. statute of Limitations - XXX year, expiration date XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received Initial XXX XXX. Finding Resolved. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060297 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received Initial XXX XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-This loan failed the written list of service providers disclosure date test for XXX or more of the following reasons: ( 12 CFR §1026.19(e)(1)(vi) )The written list of service providers disclosure date is either:Less than the XXX business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX (observed) on XXX (XXX)As not being open on XXX not being open on XXX (XXX)As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). ----- XXX in file is dated XXX and not provided to borrower within XXX days of application date of XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received Initial XXX. Finding Resolved. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026060294 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Rec'd eConsent. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Econsent - Buyer-XXX Open-Missing e-Consent. E-Consent is missing from file. Please provide - Due Diligence Vendor-XXX |
Resolved-Rec'd eConsent. - Due Diligence Vendor-XXX |
Guideline: LTV is less than guideline maximum - Required is XXX Borrower has XXX Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060361 | XXX | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. e-consent - Seller-XXX Open-Missing e-Consent. -----Missing eConsent - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. e-consent - Seller-XXX |
Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |
| 2026060293 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026060355 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The bank statement worksheet was provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Counter-Received Bank Stmt worksheet however per initial finding, missing Income Worksheet. Finding remains - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing missing income w/s - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-The bank statement worksheet was provided. - Due Diligence Vendor-XXX |
Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |
| 2026060292 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Primary residence history. XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX- property sold XXX, Uploaded credit report for XXX XXX proof property sold and page of Fraud to confirm loan amount to match with credit report to clear condition - Buyer-XXX Counter-Received Lease Agreement and rent ledger borrower moved in XXX. Missing VOR for prior primary res. Per 1003 prior XXX for XXX months. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Missing VOR for current Residence, Per Letter and 1003 Borrower has been renting. - Due Diligence Vendor-XXX |
Resolved-Received Primary residence history. XXX. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060292 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received lender DSCR calcs. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. docs to clear - Buyer-XXX Open-The DSCR Calculation from lender is Missing. Missing DSCR calculation documentation - Due Diligence Vendor-XXX |
Resolved-Received lender DSCR calcs. - Due Diligence Vendor-XXX |
Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Guideline: LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026060288 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026060380 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain XXX for credit inquiries | Resolved-Upon further review, credit report only reflects originator inquiry. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-LOX for credit inquiries is missing. - Due Diligence Vendor-XXX |
Resolved-Upon further review, credit report only reflects originator inquiry. - Due Diligence Vendor-XXX |
Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060380 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX Credit reflecting new inquiries. Condition added to confirm. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 XXX Credit Report is Missing. A XXX credit or Undisclosed Debt Monitoring report is required no more than XXX days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-XXX |
Resolved-Received XXX Credit reflecting new inquiries. Condition added to confirm. - Due Diligence Vendor-XXX |
Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060380 | XXX | D | A | D | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence appraisal delivered to borrower a minimum of XXX days prior to closing | Resolved-Rec'd evidence of appraisal delivery. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. proof of appraisal delivery - Buyer-XXX Open-Missing evidence of appraisal being received XXX or more days prior to closing was not met. Missing evidence of appraisal being received XXX or more days prior to closing. - Due Diligence Vendor-XXX |
Resolved-Rec'd evidence of appraisal delivery. - Due Diligence Vendor-XXX |
Guideline: Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060281 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received certification of trust - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please see attached Trust Cert - Buyer-XXX Open-Trust/POA Does Not Meet Guideline Requirements Trust document is missing. Please provide copy of XX Dated XXX - Due Diligence Vendor-XXX |
Resolved-Received certification of trust - Due Diligence Vendor-XXX |
Guideline: LTV is less than guideline maximum - Required is XXX Borrower has XXX Guideline: Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026060346 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |